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论文编号：	8961
作者编号：	2120142650
上传时间：	2016/12/12 16:27:54
中文题目：	HBQA农村信用合作社盈利模式优化研究
英文题目：	Research on the profit pattern optimization of the HBQA Rural Credit Cooperatives
指导老师：	王曼舒副教授
中文关键字：	农村信用合作社;盈利模式;业务多元化
英文关键字：	Rural credit cooperatives;profit pattern;business diversification
中文摘要：	随着我国经济发展进入“新常态”，经济增速放缓导致信贷需求下降，经济和产业结构调整导致限控行业和产能过剩行业存量贷款风险的相对激增。与此同时，我国金融改革不断深化，利率市场化、存款保险制度、证券市场改革、互联网金融发展等对我国商业银行传统的经营和盈利模式形成带来较大冲击和挑战。本文共分六章。第一章主要介绍选题背景、研究意义、研究方法及论文结构等内容。第二章对选题背景及银行盈利相关概念内涵作阐述，对部分发达国家或地区商业银行盈利模式发展经验、国内外学者关于银行盈利因素及模式发展的理论研究等进行系统梳理，为论文研究提供理论支撑。第三章以HBQA农村信用合作联社（以下简称：HBQA农村信用合作社）为案例，对其近五年（2011年-2015年）盈利能力变动趋势及收入、支出等相关要素情况开展研究分析，从内部管理和外部影响两方面分析盈利变动原因。第四章以前文梳理商业银行盈利模式转型发展国际经验和相关学者理论研究为理论基础和思考指引，对照HBQA农村信用合作社盈利能力变动原因开展盈利模式优化方案的思考和设计。第五章阐述HBQA农村信用合作社盈利模式优化方案的实施与保障。第六章是结论与展望，总结本文研究结果，提出相关政策建议，说明本文局限性，对HBQA农村信用合作社发展前景进行展望。本文的结论是，作为我国商业银行体系的重要组成部分，农村信用合作社现阶段盈利模式是以利差收入为主导的传统型盈利模式，非信贷利息收入和中间业务收入占比长期处于较低水平。在经济“新常态”引发经济和产业结构调整以及金融改革持续深化的宏观背景下，作为低层次发展商业银行的代表，农村信用合作社需要把握经济形势，努力改善盈利模式：（一）改善信贷结构，以零售业务、消费金融和支持中小企业为重点开展信贷业务，培育个别细分市场，降低经济调整对盈利能力的影响；（二）通过金融创新开发适需产品和服务，发展特色业务，扩大中间业务收入比重。本文的政策建议是，政府和监管部门应：（一）建立健全完善的法律政策体系，允许并规范商业银行混业经营行为，为商业银行的经营战略和业务操作提高制度保障体系；（二）继续全面深化包括金融业务体系和监管体系的金融改革，建立更为开放、自由、成熟的金融市场和更为有效、规范、安全的监管体系，有效发挥市场机制作用，推动金融创新意识和合规经营意识的发展，提高包括农村信用合作社在内的各类商业银行业务多元化结构发展。
英文摘要：	With China's economic development into the new normal, the economic slowdown led to a decline in credit demand, and a surge in risk of the stock loans. At the same time, China's financial reform’ deepening, e.g. the interest rate liberalization, the deposit insurance system, the reform of securities market, the Internet finance development and so on, has been a great challenge to the traditional commercial banks operating and the profitability in China. This paper includes six chapters. The first chapter mainly introduces the background, significance, research methods and the framework of the thesis. The second chapter introduces the concept related research background and bank profitability, the development experience about profit pattern of commercial banks in developed countries or areas and domestic and foreign scholars research on bank profitability. The third chapter takes HBQA city Rural Credit Cooperatives as a case to research the profit trend and changes of income and expenditure in the past five years (2011-2015), and analysis the reasons. The fourth chapter is a rethinking and design for optimization of the profit pattern of HBQA Rural Credit Cooperatives. The fifth chapter sets a series of guarantee schemes for the optimization of the profit pattern of HBQA Rural Credit Cooperatives. The sixth chapter is the conclusion and outlook in which summarizing the results of this study and putting forward relevant policy suggestions, and so on. The conclusion of this paper is, as an important part of China's commercial banking system and a representative of the low level development of commercial banks, the rural credit cooperatives has a traditional profit pattern in which interest income oriented, the rural credit cooperatives need to optimize the profit structure to reduce the impact of economic adjustment on profitability by: (a) improving the credit structure, developing the retail business and individual financial consumption, and supporting small & medium-sized enterprises; (b) improving financial innovation and expanding the proportion of intermediate business income. The policy suggestions for the government and regulatory authorities includes: (a) establishing and improving the legal and policy system to allow and standardize the mixed operation of commercial bank; (b) continually deepening financial reform including the financial service system and the supervision system, establishing a more open, free, mature financial market and a more efficient, standardized, safety supervision system, promoting financial innovation and diversification of commercial banks.
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